Bankruptcy - Has anyone here regretted it?

[andymac]

I read lots, if not all posts saying they thought it was the best decision at the time, is there anyone who found, afterwards, that they wished they had done an IVA instead?

[pippa]

Personally I have said all along that i would still have preferred to be in an IVA, at least you retain some control and I would not have had to ask my parents for help in trying to buy out the equity in BR. It also lets you 'do the right thing' and pay back as much as you can.
I am only a month into my BR, everything still feels up in the air so no control on my situation, I still dont know if I will keep the car for sure, still dont know the level of BI, not had anything in writing to confirm no IPA, dont know if I can buy back my shares, etc etc.
But BR was my only option as IVA rejected by NR, so am not going to give myself too hard a time. So I can only say in my case it was my only option but certainly isnt the easiest. I have a very approachable OR absolutely no complaints. Some have posted lately that theirs have not been so.
It is certainly no cop out I can tell you.

Pippa